225 Ways: Take care of yourself financially

23. Don’t buy on credit unless absolutely necessary or there’s no interest — but make sure it’s something you really need, and don’t miss even one payment; they’ll gouge you with interest if you do.

24. Seek discipline in all you do. Chances are, if you are disciplined with your daily routines, and with your eating and other aspects of your life, you’ll be more disciplined in your spending as well.

25. Save like mad. It requires discipline, focus and a willingness to delay gratification.

26. Bone up on what the experts call “the miracle of compounding.” It’s how savings can multiply without much effort from you at all.